Credit Information Services Agreement

This Credit Information Services Agreement ("Agreement") is made as of the date of the execution of the Subscription Agreement or any other such document which hereby incorporates this document by reference, amongst said Subscriber ("End User"), and Controlled Logic™ (Agent of End-User), and iPreCheck, LLC ("Provider"). This document is hereby incorporated into the Subscription Agreement and is effective and binding upon the Provider and End User upon execution of the Subscription Agreement.

WHEREAS, Provider is an authorized Reseller of TransUnion , LLC. ("TransUnion"); and uses consumer credit data provided by TransUnion/ Fair, Isaac and makes it available to End User for viewing via the controlledlogic.com user interface.

WHEREAS, TransUnion and Fair, Isaac Corporation ("Fair, Isaac") offer the "TransUnion/Fair, Isaac Model", consisting of the application of a risk model developed by TransUnion and Fair, Isaac which employs a proprietary algorithm and which, when applied to credit information relating to individuals with whom the End User contemplates entering into a credit relationship will result in a numerical score (the "Score" and collectively, "Scores"); the purpose of the models being to rank said individuals in order of the risk of unsatisfactory payment.

NOW, THEREFORE, for good and valuable consideration and intending to be legally bound, End User and Provider hereby agree as follows:

1. Subject of Agreement. End User retains Provider to provide credit information services and date, including pre-screening data, demographic data, credit data, TransUnion/Fair, Isaac Scores, and Controlled Logic™ data elements ("Credit Data").

2. End User Qualification. Prior to providing any services under this Agreement, End User must apply for membership for TransUnion's Pre-screened services and undergo Provider's on-boarding and vetting process. If End User is already a TransUnion member, End User may be required to submit a request to TransUnion allowing Provider to service its account. "Vetting" is the screening and compliance process that ensures each End User satisfies TransUnion's requirements and has a permissible purpose to access consumer credit data. "On boarding" is the process by which End User identifying information is entered into Controlled Logic™ and TransUnion's systems.

3. Application. Through electronic interface with Provider, End User will select, identify and submit to Provider either individual consumer records or parameters for populations they wish to identify in the Periodic Screening Process. The results of End User's requests will be encoded and truncated, and appended with other Controlled Logic™'s Data Elements, and made available for viewing via controlledlogic.com.

4. Fees. End User agrees to pay all fees set forth in the Subscription Agreement, which is incorporated into this Agreement. End User agrees to pay all such fees within the timeframe set forth in the Subscription Agreement.

5. Term. This Agreement shall endure for the length of time stated in the Subscription Agreement (the "Term"), unless earlier terminated for noncompliance as provided below. Upon the expiration of the Term, unless either party gives written notice to the other of termination, this Agreement shall continue on a month-to-month basis. If Controlled Logic™ believes in its sole judgment that End User has failed to comply with any of its obligations in this Agreement, Provider may unilaterally terminate this Agreement immediately, or take any lesser action Provider deems appropriate, including but not limited to, blocking End User from accessing Provider's services or online databases. Upon termination of this Agreement, End User agrees to immediately pay all fees incurred hereunder.

6. Compliance. In using Credit Data provided hereunder, End User will comply with all Federal, state, and local laws applicable to consumer credit information and nondiscrimination in the extension of credit from time to time in effect during the Term. End User certifies that (1) it has a permissible purpose for obtaining the Credit Data in accordance with the federal Fair Credit Reporting Act, and any similar applicable state law, (2) any use of the Credit Data for purposes of evaluating the credit risk associated with applicants, prospects or existing customers will be in a manner consistent with the provisions described in the Equal Credit Opportunity Act, Regulation B, and/or the Fair Credit Reporting Act, and (3) the Credit Data will not be used for Adverse Action as defined by the Equal Credit Opportunity Act or Regulation B, unless adverse action reason codes have been delivered to the applicable consumer along with the Credit Data. Controlled Logic™ Data Elements shall be used solely by End User for direct solicitations of the identified consumers.

7. Confidentiality. Each party will maintain internal procedures to minimize the risk of unauthorized disclosure of information delivered hereunder. Both parties will take reasonable precautions to ensure such information will be held in strict confidence and disclosed only to those of their respective employees whose duties reasonably relate to the legitimate business purposes for which the information is requested or used and to no other person. Without limiting the generality of the foregoing, each party will take suitable precautions to prevent loss, compromise, or misuse of any data or other media containing consumer credit information while in the possession of either party and while in transport between the parties. Each party shall comply with all federal, state and local laws, rules, regulations and ordinances governing or relating to privacy rights in connection with its performance under this Agreement including, without limitation, the Gramm-Leach-Bliley Act ("GLB") and its implementing regulations. Each party shall implement such physical and other security measures as shall be necessary to (a) ensure the security and confidentiality of the "nonpublic personal information" of the "customers" and "consumers" (as those terms are defined in GLB) of either party which it holds, (b) protect against any threats or hazards to the security and integrity of such nonpublic personal information, and (c) protect against any unauthorized access to or use of such nonpublic personal information. Each party represents and warrants that it has implemented appropriate measures to meet the objectives of Section 501(b) of GLB and of the applicable standards adopted pursuant thereto, as now or hereafter in effect. Upon request, each party will provide evidence reasonably satisfactory to allow the other party to confirm that the providing party has satisfied its obligations as required under this Section. Without limitation, this may include review of audits, summaries of test results, and other equivalent evaluations of the providing party.

8.Proprietary Business Processes. Under no circumstances will End User attempt in any manner, directly or indirectly, to discover or reverse engineer any confidential and proprietary business processes, algorithm, or source code of Provider.

9. No License. Nothing contained in this Agreement shall be deemed to grant End User any license, sublicense, copyright interest, proprietary rights, or other claim against or interest in any computer programs utilized by Provider or TransUnion/Fair, Isaac, or any third party involved in the delivery of Credit Data hereunder. By providing Credit Information to End User pursuant to this Agreement, Provider grants to End User a limited license to use information contained in the reports generated by Provider solely in End User's own business, with no right to sublicense or otherwise sell or distribute such information to third parties.

10. Limitation of Liability/No Warranty. BECAUSE MUCH OF THE CREDIT DATA IS PROVIDED BY TRANSUNION/FAIR, ISAAC, PROVIDER MAKES NO WARRANTY OF ANY KIND WITH RESPECT TO THE CREDIT DATA, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, UNDER NO CIRCUMSTANCES WILL PROVIDER OR TRANSUNION/FAIR, ISAAC HAVE ANY OBLIGATION OR LIABILITY TO END USER FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES INCURRED BY END USER, REGARDLESS OF HOW SUCH DAMAGES ARISE AND OF WHETHER OR NOT END USER WAS ADVISED SUCH DAMAGES MIGHT ARISE. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF PROVIDER OR TRANSUNION/FAIR, ISAAC TO END USER EXCEED THE FEES PAID BY END USER PURSUANT TO THIS AGREEMENT DURING THE SIX MONTH PERIOD IMMEDIATELY PRECEDING THE DATE OF END USER'S CLAIM.

11. Release. End User hereby releases and holds harmless Provider and/or TransUnion/Fair, Isaac and their respective officers, directors, employees, agents, sister or affiliated companies, and any third-party contractors or suppliers of Provider or TransUnion/Fair, Isaac from liability for any damages, losses, costs or expenses, whether direct or indirect, suffered or incurred by End User resulting from any failure of the Credit Data to accurately predict that a United States consumer will repay their existing or future credit obligations satisfactorily.

12. Proprietary Designations. End User shall not use, or permit its employees, agents and subcontractors to use, the trademarks, service marks, logos, names, or any other proprietary designations of Provider or TransUnion/Fair, Isaac or their respective affiliates, whether registered or unregistered, without such party's prior written consent.

13. Indemnification. End User will indemnify, defend and hold Provider harmless from and against any and all liabilities, damages, losses, claims, costs, and expenses, including reasonable attorney's fees, which may be asserted against or incurred by Provider arising out of or resulting from the use, disclosure, sale or transfer of services by Provider or Provider's customers, due to End User's negligence or willful misconduct. Provider will indemnify, defend and hold End User harmless from and against any and all liabilities, damages, losses, claims, costs, and expenses, including reasonable attorneys fees, which may be asserted against or incurred by End User arising out of or resulting from Provider's negligence, willful misconduct or breach of this Agreement.

14. Governing Law. This Agreement and the rights and obligations herein shall be governed by and interpreted in accordance with the laws of the State of Ohio without giving effect to the principles thereof relating to conflicts of law rules that would direct application of the laws of another jurisdiction.

15. Arbitration. Any controversy or claim arising out of or relating to this Agreement, or the breach thereof, shall be settled by arbitration in accordance of the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) shall be entered in any court having jurisdiction thereof. For that purpose, the parties hereto consent to the jurisdiction and venue of an appropriate court located in Hamilton County, State of Ohio. In the event that litigation results from or arises out of this Agreement or the performance thereof, the parties agree to reimburse the prevailing party's reasonable attorney's fees, court costs, and all other expenses, whether or not taxable by the court as costs, in addition to any other relief to which the prevailing party may be entitled. In such event, no action shall be entertained by said court or any court of competent jurisdiction if filed more than one year subsequent to the date the cause(s) of action actually accrued regardless of whether damages were otherwise as of said time calculable.

16. Entire Agreement. This Agreement, together with the Controlled Logic™'s Subscription Agreement, and Terms and Conditions, constitutes the entire agreement of the parties and supersedes all prior communications, understandings and agreements relating to the subject matter hereof, whether oral or written.

17. Definitions. The following definitions are applicable to this Agreement or the products and services provided by Provider purusant to this Agreement:

Third Party Processor: Controlled Logic™ LLC, or any other firm engaged in the business of providing data processing services, including but not limited to net downs, demographic appending and segmentation, merge / purge processing, and general list cleansing, with respect to direct mail and telemarketing programs. Periodic Screening Process: The process whereby Provider electronically delivers preselected consumer data from the End User's database to TransUnion, providing a mechanism for the End User to continuously identify new prospective borrowers in their database that meet their pre-established lending criteria.

TransUnion Demographic Data: Data TransUnion provides to End User or Third Party Processor in performing the pre-screened services, except that demographic data which End User provides TransUnion.

TransUnion Data: Any data provided by TransUnion, including TransUnion Demographic Data, Credit Data, and Identifying Data. Controlled Logic™ Data Elements: Any data provided by Provider, including but not limited to, Automated Valuation Modeling, Profiled Census data, Demographic data overlays.

Controlled Logic™ Data Server: Provider's server that stores and allows display of the Pre-screened List to the End User for viewing, download or merging with form letters.

Pre-screened List: When TransUnion completes the prescreening and segmentation of End User's data, TransUnion will deliver to the Third Party Processor an electronic data file containing information that identifies the consumers who meet the eligibility criteria established and approved by the End User (the "Identifying data") coded credit or derived information (the "Credit Data") and coded Demographic data about such consumers (the "Pre-screened List").